Environmentally friendly electricity generation with a photovoltaic power system is a perfect ecological and economic investment. Protect your power system with photovoltaic insurance from Helvetia.
The photovoltaics insurance offers comprehensive insurance protection and covers the biggest risks in case of a claim. Helvetia refunds the cost of the replacement of the affected items in the condition they were in directly before the damaging incident.
Included in the cover is the entire photovoltaic system including cabling and inverter. The insurance covers unforeseen damages that occur suddenly (including loss of income), particularly as a consequence of:
Risks from natural forces
Natural forces and fire risks can only be insured by Helvetia if these are not insured via cantonal buildings insurance.
Loss of income
In addition, the photovoltaics insurance covers the disassembly and reassembly costs of your photovoltaic system as a result of sudden and unforeseen damage occurring to the roof.
Also insured are damages to the area used by the system resulting from the operation or maintenance of the photovoltaic system.
Insurance covers the photovoltaic system with solar modules, inverters, cables, mounting, monitor systems, protective installations, etc.). For combined systems (photovoltaic and solar panels) the complete collector field up to the connection pipes (flow and return) is insured.
The system liability can also be insured. This supplementary cover insures against property damage and bodily injury involving third parties. This is recommended primarily for systems on roofs belonging to other people.
During the assembly period, there may be risks to persons and property near to the building activity, and the property owner is liable for these according to article 679 of the CC. Often these risks are not covered in the property owner’s private liability insurance during the construction and assembly period. With builder’s liability insurance, you can protect yourself from the financial consequences of such damages.
Sometimes the risks from fire and natural forces can/must be insured by the relevant cantonal buildings insurance. You will need to enquire about this directly with the buildings insurance providers.
The Helvetia photovoltaics insurance provides much greater cover though. With our solution, operating risks, theft risk, loss of use and disassembly and reassembly in the event of roof damage are insured in addition. What’s more, we also pay out for covered events involving fire and natural forces where the buildings insurance rejects the damages.
The cantonal buildings insurance covers homeowners in the case of damage resulting from fire, water or natural forces (e.g. flooding, storms or hail). Sometimes the risk to photovoltaic systems from fire and natural forces can/must be insured by the relevant cantonal buildings insurance. You will need to enquire about this directly with the buildings insurance providers.
The Helvetia photovoltaics insurance provides much greater cover though. With our solution, operating risks, theft risk, loss of income and damage to the surface used, as well as dismantling and reassembly in the event of roof damage are all insured in addition. Furthermore, we also cover the loss of income if a fire or natural disaster occurs, which is not covered by the cantonal buildings insurance.
Naturally older downhole heat exchangers can also be insured with us without any difficulty.
Yes. The deductible amounts to CHF 250 as standard. With bigger systems or if specifically requested, a higher deductible is possible.